The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,213
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$1,112/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,066/mo
Today · 4.125%
HK$41,291
baseline
▲ 0.50% · 4.625%
HK$43,467
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,582/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,570
−HK$1,336/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,638
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,009
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,279/mo
Today · 4.125%
HK$49,549
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,098/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,299
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,832
−HK$1,558/mo
Today · 4.125%
HK$52,390
baseline
▲ 0.50% · 4.625%
HK$55,578
+HK$3,188/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,780/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,844
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,315
−HK$1,492/mo
Today · 4.125%
HK$57,807
baseline
▲ 0.50% · 4.625%
HK$60,854
+HK$3,047/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,614/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,356
−HK$2,003/mo
Today · 4.125%
HK$67,359
baseline
▲ 0.50% · 4.625%
HK$71,457
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,718/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,514
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,405
−HK$1,919/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,241
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,101 · Scale 2, in force from 26 Feb 2026)